Aetna Medicare Supplement Review (2026): Cost, Pros & Cons

Aetna has seven Medigap plans that help pay for expenses not covered through Original Medicare, though specific options depend on your state:

• Plan A: Designed as the most basic option, this plan includes Part A coinsurance, up to 365 additional days of hospital coverage after Medicare benefits end and Part B coinsurance.
• Plan B:Plan B covers everything Plan A does, plus the Medicare Part A deductible. Plan B is the right choice for buyers who want Part A deductible coverage without the cost of Plans F or G.
• Plan C: For enrollees who became Medicare-eligible before January 1, 2020, Plan C covers both Part A and Part B deductibles, skilled nursing facility coinsurance, Part B excess charges and emergency care abroad.
• Plan D: Plan D covers the Part A deductible, skilled nursing facility coinsurance and foreign travel. Part B deductibles and excess charges are not included.
• Plan F: The most all-inclusive option, Plan F eliminates nearly all Part A and Part B out-of-pocket expenses, including deductibles, copayments, coinsurance and excess charges. But eligibility is limited to people who became Medicare-eligible before January 1, 2020.
• Plan G: Nearly identical to Plan F in scope, this popular plan excludes only the Part B deductible.
• Plan N: Instead of covering every cost in full, this plan requires copayments of up to $20 for doctor visits and up to $50 for emergency room visits while still paying the Part A deductible, skilled nursing facility coinsurance and foreign travel emergency expenses.

Both Plan G and Plan N price below their national averages. Plan F's $12 gap is narrow enough that Plan F buyers should check at least one competitor before choosing Aetna.

High-deductible versions of Plans F and G are also available through Aetna. With these options, you receive the same core benefits, but coverage begins only after meeting a higher deductible. The tradeoff is lower monthly premiums for higher out-of-pocket costs when you use care.

Plan D is $62 below average at age 75, compared to $23 for Plan G and $12 for Plan F. But Aetna's Plan D at $217 per month at age 65 costs more than Plan G's $144 in absolute terms, because the national average for Plan D is higher.

The right choice between Plan D and Plan G depends on whether you see non-participating providers. Plan G covers Part B excess charges. Plan D does not. For enrollees who stay in-network, Plan D's below-average pricing is the better starting point. For others, Plan G is worth the higher absolute cost.

Aetna Medicare Supplement plans are sold in 44 states and Washington, D.C. In most states, Plans A, B, F, G and N use Attained Age Pricing. Your premium increases as you age.

Arizona, Florida, Georgia, Missouri and New Hampshire use issue-age pricing, which sets your rate based on your age when you enroll and does not increase due to aging. Arkansas, Idaho and Vermont follow community pricing, where premiums are the same for everyone regardless of age. Minnesota and Wisconsin don't use the standard lettered Medigap plans. Both states have their own plan designs.

Arizona, Florida, Georgia, Missouri and New Hampshire use issue-age pricing, which locks your rate to your enrollment age. For enrollees who plan to stay covered long-term, those states remove the annual age-based rate increase entirely. Your starting rate won't increase due to aging alone.

Enrollees in the remaining attained-age states can use the age-65 and age-75 figures in the cost table to estimate how much rates will climb by the time they reach 75.

Aetna Medicare Supplement premiums run below the national average across all seven of its plans for both 65- and 75-year-olds.Plan G is the most affordable option at $144 per month for 65-year-olds, $23 below the national average. Plan D has the largest savings at age 75 at $62 below average, or $250 per month. Plan F costs $185 monthly at age 65, only $12 below average. It's the least competitive option on price.

Across all plans, the pricing advantage holds across age groups, which benefits long-term enrollees on Attained Age Pricing structures. In states with Attained Age Pricing, Aetna’s pricing advantage remains below average across age groups. In community-pricing states like Arkansas, Idaho and Vermont, rates stay the same regardless of how long the policy is held.

Plan G's $144 monthly rate at age 65 is $23 below the national average, and the gap holds at age 75 at $169. Plan F is the weakest value in Aetna's lineup on price alone: the $12 monthly savings over the national average is narrow enough that a competitor with a lower complaint index is worth comparing for Plan F.

Plan F is the weakest value in Aetna's lineup on price alone: the $12 monthly savings over the national average is narrow enough that Plan F buyers should check at least one competitor's complaint index before choosing Aetna. If you're in a state with Attained Age Pricing, the pricing advantage holds across age groups. In community-pricing states like Arkansas, Idaho and Vermont, Aetna's below-average rate is locked in regardless of how long you hold the policy.

Aetna includes a 12-month rate lock and a 30-day free-look period with a full premium refund, two features not all Medigap carriers provide. These benefits apply across all Aetna plans. Compare them against competitors before you enroll.

• Guaranteed Renewability: Aetna can't cancel your policy as long as you pay your premiums on time, regardless of changes to your health or age.
• 12-Month Rate Lock: Your premium stays the same during your first year of coverage. This gives new enrollees a full year of pricing stability before any rate adjustment.
• 30-Day Free-Look Period: You can return your policy within 30 days of receipt for a full premium refund if you're not satisfied, with no questions asked.
• Nationwide Provider Access: Aetna Medicare Supplement plans have no network restrictions. You can see any provider in the country who accepts Medicare without referrals or prior authorization.
• Foreign Travel Emergency Coverage: Select plans, including Plans C, D, F, G and N, cover 80% of emergency medical costs outside the U.S. after a $250 deductible, up to a $50,000 lifetime maximum.

Check the table below to see which Aetna Medigap plans are in your state and the pricing model applied where you live. Both plan availability and the pricing model affect your starting premium and how much costs rise over time.

Aetna's strongest case is Plan G at $144 per month at age 65, $23 below the national average. For new enrollees who want a nationally available plan and are comfortable working through an agent, Aetna is a strong price option.

Aetna's NAIC complaint index is above the industry average, and the pattern shows up most in billing and premium disputes. Enrollees who have had service issues with large national insurers should compare Mutual of Omaha before committing.

If you're in Arizona, Florida, Georgia, Missouri or New Hampshire, Aetna's issue-age pricing locks your starting rate at enrollment. In those five states, Aetna's $144 Plan G rate stays flat as you age instead of increasing annually. Elsewhere, compare quotes at both ages 65 and 75 before choosing.

We scored Aetna's Medicare Supplement plans by reviewing 2026 plan data across all 44 states and Washington, D.C. where Aetna sells Medigap coverage, using rate filing data and NAIC complaint records accessed in 2026. The review covered plan costs against national averages. Coverage breadth and geographic availability rounded out the scoring criteria.

• Affordability (50%): We compared Aetna's monthly premiums for each plan letter against national averages at ages 65 and 75. Plans priced below the national average score higher because lower premiums reduce long-term out-of-pocket costs, especially for enrollees in attained-age states where premiums increase annually.
• Coverage (40%): MoneyGeek reviewed the range of standardized plan letters Aetna offers and its NAIC complaint index relative to the industry average of 1.00. Plans with broader letter availability score higher. Lower complaint ratios also contribute because a carrier's track record on billing disputes and customer service affects the value of a policy over a 10 to 20-year enrollment.
• Availability (10%): Geographic reach accounts for this portion of the score, based on the number of states where Aetna's plans are sold. Broader availability scores higher because enrollees who relocate won't need to switch carriers. Wider distribution also supports stronger claims processing across different state pricing regulations.